China Life Happy Life Surrender Non refundable??

Happy Life is not a participating insurance is not a disease insurance, so there is no health protection Happy Life is not a year to receive money Every year to receive "Survival Pension Care Fund" After you are 60 years old, you can also receive money every year until you are 74 years old. At the age of 75, you can also receive a sum of money, and in addition to these, there are dividends every year. You can take a look at the list I found on the China Life website:

It's not what you said, although I didn't work at China Life, I still know some of their insurance.

The insured, Mr. Zhang, is 30 years old this year, and he has purchased China Life Fuman Life Insurance (dividend) for himself, with an annual insurance premium of 50,000 yuan and 10 years of payment, with a basic insurance amount of 92,954 yuan, and the age of Fushou is 60 years old, and the following benefits can be obtained:

1. Receive a high refund upon payment.

From the effective date of this contract to the effective date of the year when Mr. Zhang reaches the age of 74, if Mr. Zhang is alive, he can receive yuan every year before the effective date of the year when he reaches the age of 60; If you are 60 years old, you can receive yuan every year until you are 74 years old.

Second, the age of longevity is free to choose.

The age of receiving Fu Shou Pension is 55 and 60 years old, and Mr. Zhang is free to choose according to his own wishes when applying for insurance.

3. Multiple Claims Surprise after Surprise.

From the effective date of this contract to the corresponding date of the annual effective date when Mr. Zhang reaches the age of 74, if Mr. Zhang survives, he can receive a special survival allowance of 500 yuan per year before the effective date of the annual effective date when he reaches the age of 60; Receive care dollars every year; 60 years old, from the corresponding date of the year to the effective date of the 74th year; If Mr. Zhang survives until he reaches the age of 75, he can receive another 92,954 yuan. In addition, you can also receive dividends every year according to the company's operating conditions.

Fourth, comprehensive protection and double care.

If Mr. Zhang dies due to illness within one year from the effective date of the contract, the company will pay a death insurance benefit of 50,000 yuan, and the contract will be terminated; If Mr. Zhang dies due to any circumstance other than the foregoing before the effective date of his 60th birthday, the Company shall pay the sum of 185908 yuan and the insurance premium paid (excluding interest) to pay the death benefit, and the contract will be terminated. In the event of the death of Mr. Zhang, the Company shall pay the death benefit in a lump sum according to the sum of the various periods of life benefits (excluding the life benefits that have been incurred but not yet received before Mr. Zhang's death) and the maturity insurance benefits that have not been received after Mr. Zhang's death, and the contract will be terminated.

If Mr. Zhang suffers an accidental injury and dies within 180 days from the date of the accidental injury, the company will pay the death benefit in accordance with the above provisions and then pay the accidental injury death benefit of 743632 yuan, and the contract will be terminated.

First of all, insurance is used to avoid risks by being small and broad; Secondly, a customer of our company bought a critical illness insurance with an insured amount of 1 million last year and paid more than 10,000 yuan, and this year he was found to have stomach cancer, which met the claim standard, and the company compensated the customer 1 million. Third, the interest rate of this money "loan" to the insurance company is relatively low, but there is no need to worry about whether there is a return, on the contrary, if you lend to others at a high interest rate, can you sleep soundly?

Give you 10% of the sum insured every year, not 2% as you say

If I were your salesman, I would definitely give you a refund! Because you didn't figure out what insurance does!

I'm the same as you, I feel that a happy life is to lend people money to spend as long as they don't die, with low interest dividends. If you die, you can get the principal back. Not cost-effective.

Surrender? I've been wondering if to go back. Who knows if they will live to be 75 years old?

If you don't survive, it is the basic insurance * payment period * 110%.

Insurance is protection, the landlord understands wrongly!

Chinese life insurance has only been paid for one year, if you want to surrender the policy, we need to calculate the refund amount according to the premium we pay and the type of insurance we purchase。In fact, there are many differences between Fuman Life Insurance, which may only be an upgraded version and a regular version, and the difference between the refunded premiums is also very large, so it needs to be calculated according to the situation.

Many people regret it after buying insurance and want to surrender the policy, but it is not impossible to surrender the policy, after all, we have only signed a written contract with the insurance company. The surrender of the policy does not refund the full premium, and the amount we can refund is called the cash value of the policy, which needs to be calculated on a case-by-case basis. Some people may have paid 5,000 yuan in premiums a year, only to find that they only returned 3,000 yuan when they surrendered the policy, which is a very normal phenomenon.

It is not that the insurance company deliberately deducts the premiums we pay, but because the losses suffered by the insurance company need to be deducted from our premiums.

Many people may not know that the insurance company needs to bear a lot of losses after we surrender the policy, such as the service fee for us in the past year, and the business commission given to the marketer at the beginning. These costs cannot be borne by the insurance company itself, so they can only be borne by the policyholder who defaults first. Therefore, we must think carefully when buying insurance, at least read the relevant contract clearly, and do not regret it because we have not understood the content of the treaty and want to surrender the policy.

Some people buy insurance on a whim, and they don't think about whether they can bear the subsequent premiums, so they will always bear the loss inexplicably. In addition to the terms and conditions of the insurance contract, we need to pay extra attention to the insurance exemption regulations, the number of years of payment, the amount of contributions, whether it can be within our affordability, etc., and then decide whether to buy insurance after thinking about these issues clearly.

Generally, 20% of the money will be returned, if the policy is surrendered during the cooling-off period, it will be refunded in full, and if the cooling-off period is passed, only 20% of the principal will be returned.

You can only refund the cash value of the first year's premium, which is very small, and you can only refund a few hundred dollars depending on the amount of money insured.

If you purchase this insurance, you can get a full refund of the premium if you surrender the policy in the middle of the policy.

Summary. Hello. China Life Happiness Life Annuity Insurance Dividend Annual Payment 3000If the insurance can be surrendered after 12 years of payment, it can be refunded about 33,000 yuan.

China Life Happiness Life Annuity Insurance Dividend Annual Payment 3000Can the policy be surrendered after 12 years? How much can I get back?

Are you there. Hello. China Life Happiness Life Annuity Insurance Dividend Annual Payment 3000If the insurance can be surrendered after 12 years of payment, it can be refunded about 33,000 yuan.

China Life can surrender the insurance after 12 years in a happy life, and the insurance fee paid can be surrendered within the hesitation period, which is more than the cost of damage before and after 10 yuan, and if the hesitation period is over, then it is necessary to carry out the surrender according to the cash value and the total use value of the universal account, and it is very likely that there will be damage. If China Life Happiness has applied for surrender after 12 years, the policyholder can apply for it at the service desk of the insurance company, and if you are not sure, you can call customer service ** for details.

According to the insurance regulations of China Life Happiness Life Commercial Insurance Product, China Life Happiness Life Annuity Insurance (year-end dividend) can be divided into 3 years, 5 years, 8 years, and 12 years, and if you choose the method of surrendering the policy after 12 years, if you want to surrender the policy after the payment, you will apply for surrender from the 13th year, then the insurance company will refund all the insurance premiums you have paid, and at the same time, it will also deduct the care annuity returned to you every year.

It is recommended that you retire in the 13th year.

How much can I get back?

If you return now, you can only refund 33000

Summary. Hello dear dear, if you surrender the policy after 10 years in your life, you can return 70% of the principal. Legal Analysis:

The principal cannot be refunded after 10 years. Generally, the surrender rate is 70% and the Fuman Life of Chinese Life is a commercial insurance rather than a fixed deposit, so it is impossible to return the principal. Requirements and procedures for handling surrender of insurance:

The applicant is eligible to apply for surrender. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder clearly indicates who will receive the surrender money, the policyholder applies for surrender, the contract has been in force for two years and the premium has been paid for two years, the insurance company will refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance premium to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge. If you surrender the policy after ten years of life and life, how much can you return.

Chinese life and happiness insurance for both life.

Paying 3000 a year is enough, and it has been paid for 10 years.

Hello dear dear, if you surrender the policy after 10 years in your life, you can return 70% of the principal. Legal analysis: The principal cannot be returned after 10 years.

Generally, the surrender rate is 70% and the Fuman Life of Chinese Life is a commercial insurance rather than a fixed deposit, so it is impossible to return the principal. Procedures for handling the requirements and procedures for the surrender of the policy: The qualified person who applies for the surrender of the insurance is the policyholder.

If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder clearly indicates who will receive the surrender money, the policyholder applies for surrender, the contract has been in force for two years and the payment has been paid for two years, the insurance company will refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance fee to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge. , I want to retire this year, I want to! Consult to see how much you can refund.

In the past ten years, the dividends have been given less than 6,000, which is equivalent to a total of 30,000 yuan.

I can return about 20,000.

Is it the dividend that comes back in reverse?

Does this 20,000 include dividends?

Not counting. Not included.

Summary. 1.The cash surrender value is calculated as follows: cash value = premium * 65% * (1-m n), m is the number of days that have been in effect, n is the number of days during the insurance period.

2.Generally speaking, different types of policies have different cash values, such as: endowment insurance, whole life insurance, term life insurance, endowment insurance, universal insurance, participating insurance, etc., which have cash value.

At the time of surrender, there will be a surrender fee. Short-term accident insurance, term life insurance, health insurance, and home contents insurance usually do not have cash value.

How to calculate the surrender of China Life Happiness Life.

Hello dear. I have received your question. I'm in the process of collating relevant information and content. I'm typing for a little time now, and I hope you'll be patient for five minutes or so.

It has been paid for 10 years.

Guaranteed in May 2012.

How to surrender China Life Fortune Life Insurance? Answer: the same, the full refund during the cooling-off period, after the cooling-off period, the cash value of the refund Q:

What happens if China Life Fortune Life Insurance (Participating) is surrendered? A: You can call 95519 to ask Chinese Life customer service to inquire about the cash value, but I can tell you with certainty that the principal will not be returned.

1.The cash surrender value is calculated as follows: cash value = premium * 65% * (1-m n), m is the number of days that have been in effect, n is the number of days during the insurance period.

2.Generally speaking, different types of policies have different cash values, such as: endowment insurance, whole life insurance, term life insurance, endowment insurance, universal insurance, participating insurance, etc., which have cash value.

At the time of surrender, there will be a surrender fee. Short-term accident insurance, term life insurance, health insurance, and home contents insurance usually do not have cash value.

In layman's terms, you can only get the cash value back when you surrender the policy. To deduct a series of fees such as your commission, account management fee, liquidated damages, etc., generally speaking, the insurance company will refund you between 30% and 70%. The vast majority of insurance companies refund about 40%.

At this time, you will lose a lot of money when you surrender the policy.

Hello friends, I have finished your question, what doubts do you have and can continue to consult me? Have a great day.

Summary. Can I get the principal back after 12 years?

The product of Marvel Lifetime Annuity Insurance is paid for ten years, and the dividends are distributed according to the mid-range, and the principal can only be returned after the 20th year of surrender, and there is an economic loss after 12 years. Assuming that the annual payment is 10,000 yuan, the payment is 10 years, and the total payment is 100,000 yuan, and the surrender in the twelfth year is divided according to the mid-range dividend, with a surrender fund of about 80,000 yuan and a loss of 20,000 yuan.

In addition, after 12 years of effective life annuity insurance, the insured or the beneficiary of the policy has received a care annuity for 12 years (1% of the basic sum assured).

If you want to get your principal back, it is best to surrender the policy during the cooling-off period, or wait until the cash value is greater than the premiums paid.

How much can I get back 1000 a year for 12 years of national life.

Can I get the principal back after 12 years? The product of Marvel Lifetime Annuity Insurance is paid for ten years, and the dividends are distributed according to the mid-range, and the principal can only be returned after the 20th year of surrender, and there is an economic loss after 12 years. Assuming that the annual payment is 10,000 yuan, the payment is 10 years, and a total of 100,000 yuan is paid, and the twelfth year of the land insurance is divided according to the mid-range dividend, with a surrender fund of about 80,000 yuan and a loss of 20,000 yuan.

In addition, after 12 years of effective life annuity insurance, the insured or the beneficiary of the policy has received a care annuity for 12 years (1% of the basic sum assured). If you want to get back the principal, it is best to surrender the policy during the cooling-off period, or wait until the cash value is greater than the premium paid.

Pro, surrender is equivalent to the termination of the contract.